The 5% Deposit Scheme in 2026: A Sydney First Home Buyer’s Guide
· 7 min read
No income caps, no place limits, a $1.5m Sydney cap. How the 5% Deposit Scheme works, what it costs, and how it stacks with other help.
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As a first home buyer, I was pretty overwhelmed at the start, but Charles made everything much easier. He explained the process step by step and helped me understand my borrowing options. His professionalism and responsiveness were excellent.
Paperwork and finances were never my strong suit. He has made this process as simple and dummy proof for me as humanly possible. This is not the first time I use a mortgage broker, however it was the easiest and most pleasant.
Charles looked after us really well and his knowledge gave us the confidence to purchase our property. He wasn’t pushy and always ensured we felt comfortable with the repayments.
Charles went above and beyond to help us secure our home loan. He worked hard to find the best option for us and kept us updated throughout the whole process. His knowledge of the lending market was impressive and he made everything straightforward.
Highly recommend Charles! Professional, knowledgeable and very easy to work with. He helped us navigate the home loan process and found a great solution that suited our needs. Excellent service from start to finish.
I found Charles and Links Property Finance very prompt and professional to deal with. Made it all so easy.
A huge thank you to Charlie for his exceptional support and expertise throughout the process of securing finance for my first home.
Charles and the team recently assisted me with the refinance of my investment property.
Charles at Links Property Finance made buying our first home so much easier than we expected. As first home buyers, we had a lot of questions around borrowing capacity, our deposit and the different government schemes available to us. Charles explained everything clearly, compared different lenders and kept us updated throughout the whole process. He was always easy to reach and made sure we understood what was happening from pre approval right through to getting our home loan approved. We would definitely recommend Links Property Finance to anyone looking for a mortgage broker, especially first home buyers who want someone to guide them through the process.
Charles and the team recently assisted us with a refinance of our investment property. Recommend Charles and the team to all
Had a great experience with Charles at Links Property Finance. He made the whole home loan process straightforward and easy to understand, kept me updated throughout and was always quick to answer any questions.
Charles and the team at links property finance recently assisted me with my purchase of my first property in Burwood. As a first home buyer, Charles made the process simple and easy. I would recommend Charles to all first home buyers
Had a really good experience with Charles at Links Property Finance. He was easy to deal with, always quick to respond and kept everything simple and clear throughout the whole process. You can tell he genuinely cares about getting the best outcome for his clients rather than just getting things done quickly. Really happy with the experience and would happily recommend Charles and Links Property Finance to anyone.
Had a great experience with Charles. He made the home loan process straightforward, was always easy to communicate with, and really knew his stuff. Would definitely recommend Charles and the team!
I honestly couldn’t recommend Links Property Finance and Charles highly enough. After speaking with others who weren’t able to help me, Charles went above and beyond to understand my situation…
I have had a number of dealings with Charles from Links Property Finance. He is very knowledgeable, thorough, and detailed with his advice. Importantly, he is very approachable and easy to deal with. His advice has been beneficial to myself and my acquaintances. I highly recommend him.
Charles Touma from Links Property Finance was a great help with buying my first home. I had plenty of questions and he took the time to explain things clearly without making me feel rushed. He kept me updated throughout and made the process much less stressful. Really appreciated his patience and would happily recommend him to other first home buyers.
Charles is an absolute star at what he does. He was straight-up, highly professional, and worked hard to secure a fantastic rate for our home loan. Communication was prompt and clear the entire way through. I would trust him with any future financial needs
Great experience with Charles as my broker. Made the whole process easy and took the time to explain everything to me. Thank you 🙏
Charles made the entire mortgage process remarkably smooth and stress-free, securing us a fantastic rate while breaking down every detail along the way.
I had a great experience working with Charles from Links Property Finance. He made the whole process straightforward, kept me updated throughout and was always available to answer any questions I had. His wealth of knowledge, professionalism and attention to detail is evident. I would happy recommend him to anyone seeking professional and reliable finance help!
Charles from Links Property Finance was really helpful with refinancing our home loan. He saved us so much money, made the whole process so effortless and was always happy to answer our questions. We are so glad we reached out to him when we did. I would definitely recommend him to first home buyers and anyone who just isn’t sure like we were!
Charlie was excellent help in securing a home loan for myself. He made the whole process incredibly easy and got an unbeatable rate! Highly recommend Charlie and his services!
Charlie is a top bloke who genuinely cares about helping people. He’s easy to talk to, knowledgeable and always happy to answer questions. If you’re looking for a mortgage broker who’s honest, reliable and puts people first, Charlie is your man!
I had a fantastic experience with Charles, who provided exceptional service and went above and beyond to achieve the best possible outcome. I highly recommend Charles to anyone looking for someone approachable, easy to communicate with, and who genuinely walks the journey with you every step of the way. Thanks heaps Charles for all your help and support!
Charles was a fantastic mortgage broker and made the refinance process simple from start to finish. He explained everything clearly, found us a great home loan option and made refinancing very easy
I’d highly recommend Charles and Links Property Finance to anyone looking for a reliable and knowledgeable mortgage broker. I’ll definitely be using Charles again in the future.
Charles and the team at links property finance were very helpful during my refinance and were very professional. Highly recommend the team
Charles took the time to review my current existing loan to see what we could do to improve the terms. Really appreciated how honest he was in suggesting that we stay with my current loan after spending a decent amount of time going through a bunch of documents. I also learnt a lot about loan features during this process. Would definitely work with Charles in the future to reassess my situation.
Charles at Links Property Finance was absolutely fantastic! He made the entire home loan process easy, stress-free, and kept me informed every step of the way during my recent refinance . His knowledge, professionalism, and genuine commitment to getting the best outcome really stood out. I couldn’t be happier with the service and highly recommend Charles and the team at Links Property finance. Thanks again!
Great information from Charlie he’s a lovely guy very helpful and always a nice smile to make you feel welcome ! Assisted us with our loan super fast and easy to deal with!
Very professional bloke and super talented. Will definitely be recommending you to my friends and family
Helped me with ease secure a loan and help my family build a better life and purchase our dream home
Big thank you to Charlie from me and my partner had a fantastic experience with this home loan company from start to finish. The whole process was smooth, professional, and stress-free. The team took the time to explain every step clearly and made sure I understood all my options before moving forward.
Charles was fantastic to work with as my mortgage broker. He made the whole process smooth, explained everything clearly, and was always quick to respond to questions. His professionalism and dedication really stood out, and he helped secure a great outcome for me. Highly recommend Charles if you’re looking for someone reliable and knowledgeable!
Excellent service highly recommend. Great customer service top to bottom ⭐️
And many more happy clients
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No LMI: an estimated $34,200 premium avoided (a broad guide; real premiums vary by lender and loan).
For eligible first home buyers, the deposit drops from 20% to 5%, with no lender’s insurance to pay.
No deposit saved? A family guarantee can stand in for it with a guarantor home loan.
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